WalletHub Rating
4.0/5
Fidelity® Credit Card has a rating of 4.0/5 according to our proprietary credit card rating system. This rating reflects how appealing Fidelity® Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards'. To break it down further, Fidelity® Credit Card earned a score of 5.0/5 for Fees, 3.4/5 for Rewards, 4.6/5 for Cost, and 3.2/5 for User Reviews.Info about the Fidelity® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.2/5
196 reviewsRead and write reviews
Market Comparison
Market Comparison
4.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
5.0
Rewards
3.4
Cost
4.6
Other Features
0.0
4.1/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
19.24% (V)
Balance Transfer
APR: 19.24% (V)
Balance Transfer Fee
Rewards
Earn 2 points per $1 spent on all purchases.
No limits on total reward points and no restrictive categories. Points will not expire.
Deposit your rewards into one account or divide them among several. You can even use your rewards to fund a loved one's account. Choose from up to 5 eligible accounts.
You can redeem your points for travel, merchandise, gift cards, or a statement credit. A 2% rewards value applies only to points redeemed for a deposit into an eligible Fidelity account.
Enjoy hotel and transportation discounts, a best available rate guarantee, beverage credits, and special offers at premium retailers.
Fidelity® Credit Card's Additional Info
24-hour Cardmember support.
Zero fraud liability.
Visa Signature® Concierge.
Your card is Digital Wallet-enabled for Apple Pay, Google Pay and Samsung Pay.
show more
Learn More
at Fidelity Investments' secure site
Fidelity® Credit Card Pros & Cons
No membership fees
High rewards rate
No foreign fee
No initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Requires excellent credit
Compare The Fidelity® Credit Card vs. Popular Alternatives
 Fidelity® Credit Card |  Wells Fargo Autograph℠ Card |  Chase Sapphire Preferred® Card |
|---|---|---|
4.0WalletHub Rating WalletHub Rating 4.0 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 3.2 Market Comparison 4.1 fees: 5.0 rewards: 3.4 cost: 4.6 Other Features: 0.0 | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.4 User Reviews 3.6 Market Comparison 4.1 fees: 5.0 rewards: 3.9 cost: 4.2 Other Features: 0.0 | 4.6WalletHub Rating WalletHub Rating 4.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.9 Market Comparison 4.6 fees: 2.9 rewards: 4.8 cost: 5.0 Other Features: 5.0 |
annual fee$0 | annual fee$0 | annual fee$95 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APR0%for12 months from account opening | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR19.24% (V) | Regular APR20.24% - 29.99% Variable | Regular APR21.49% - 28.49% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Fidelity® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
22
Upvotes
What's the Fidelity Credit Card signup bonus?
Reply
22
1
Maria Adams, Credit Cards Moderator
@m_adams
The Fidelity® Credit Card doesn't offer a signup bonus. The card does, however, offer 2 points per $1 spent without limitations or expiration. It also has travel discounts, beverage credits and special offers at premium retailers.
You can deposit your points into one account or divide them among multiple accounts. What's more is that you can even fund someone else's account, too. Plus, this card has a $0 annual fee.
Good Credit Cards with a Signup Bonus
Considering the fact that the minimum requirement for this card is an excellent credit score, this isn't the best credit card with rewards out there. However, if you're looking for a credit card that offers a signup bonus and good rewards rates, you're not out of options:
Frequent Travelers:Capital One Venture X Rewards Credit CardCapital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website- Flat Rate Rewards:Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Easy-to-Earn Signup Bonus:Capital One Quicksilver Cash Rewards Credit CardCapital One Quicksilver Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
For more options, you can check out our editors' latest picks for the best credit card sign-up bonuses on the market to see which one suits your needs better.
3
How much is the foreign transaction fee for Fidelity Credit Card?
Reply
15
Chip Lupo, Credit Card Writer
@CLoop
The Fidelity® Credit Card foreign transaction fee is $0. This means you won't be subject to an additional charge whenever you use the Fidelity® Credit Card outside of the United States. Whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant, you won't have to pay extra.
To learn more, refer to our guide on foreign transaction fees and our editors' picks for the best credit cards without foreign fees.
3
Upvotes
What are the Fidelity Visa benefits?
Reply
3
Archie Conway, WalletHub Financial Advisor
@ArchieConway
The best Fidelity® Credit Card benefits are Purchase protection and Travel and emergency assistance. The Fidelity® Credit Card also has $0 liability protection and Emergency card replacement, which are more common perks across Fidelity Investments credit cards.
Fidelity® Credit Card Benefits
- Purchase protection
- Travel and emergency assistance
- $0 liability protection
- Emergency card replacement
- Lost luggage insurance
- Worldwide automatic travel accident insurance
- Roadside dispatch
- Concierge
In addition to these benefits,...
show more
4
3
Upvotes
What credit score is needed for the Fidelity Credit Card?
Reply
3
1
Chip Lupo, Credit Card Writer
@CLoop
The Fidelity® Credit Card credit score requirement is 750 or better. That means people with excellent credit or better have a shot at getting approved for the Fidelity® Credit Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Fidelity® Credit Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing...
show more
4
Upvotes
How can I do a balance transfer with the Fidelity Credit Card?
Reply
4
Lisa Cahill, Credit Cards Moderator
@lisacahill
You can do a balance transfer with the Fidelity® Credit Card by signing in to your online banking account, or by calling (888) 551-5144.
Even though this card has a low APR of 19.24% (V), it's not specifically made for balance transfers. It lacks a transfer intro APR offer and also has a balance transfer fee of 3% (min $5).
If you have an outstanding balance you'd like to pay off at a more convenient rate, apply for a card...
show more
1
3
Upvotes
Is there a Fidelity Credit Card $200 bonus offer?
Reply
3
Gina Marte, WalletHub Advisor
@ginamarte
No, the Fidelity® Credit Card $200 bonus offer is not available, as of October 2023, though Fidelity still sends targeted sign-up bonus offers to its customers from time to time. It is noteworthy that the offers are available to only those Fidelity customers who receive the promotional email.
The Fidelity® Credit Card periodically offers a public sign-up bonus that doesn't require a targeted mail offer. So, if you apply for the card directly through Fidelity and are approved,...
show more
4
Upvotes
How can I set up a PIN for my Fidelity Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
You can set up a PIN for your Fidelity® Credit Card through your online account. A credit card PIN is a four-digit code you can use to complete certain transactions, like cash advances. When you first get your card, your PIN is sent along with your new credit card's paperwork. But you are also given the option of selecting your own PIN afterwards.
How to Set Up a PIN for Your Fidelity® Credit Card
- Visit the Fidelity® Credit Card...
show more
4
Upvotes
How much is the starting Fidelity Credit Card credit limit?
Reply
4
@stillwater
@stillwater
The issuer does not disclose the starting Fidelity Credit Card credit limit. It will be determined based on your creditworthiness, incomeand debt.
However, considering that it requires at least excellent credit, the most creditworthy applicants in this credit range (with stable incomes) can expect credit card credit limits between $3,500 and $7,500. High-income applicants might expect a credit limit of up to or more than $10,000.
5
3
Upvotes
How can I check the transaction history for my Fidelity Credit Card?
Reply
3
Sebi Mitchell, Credit Cards Moderator
@sebim
To check the transaction history of your Fidelity® Credit Card, log in to your account online or call credit card customer service at (888) 551-5144. It's also possible to check your Fidelity® Credit Card transaction history through the Fidelity mobile app.
How to Check Your Fidelity® Credit Card Transaction History
- Online: Log in to your Fidelity account and click on the Fidelity® Credit Card to see its transaction history.
- By Phone: Call (888) 551-5144 and follow the prompts to have the automated system...
show more
1
2
Upvotes
How can I get a cash advance with my Fidelity Credit Card?
Reply
2
Sebi Mitchell, Credit Cards Moderator
@sebim
You can get a cash advance with your Fidelity® Credit Card at any ATM or in any bank that displays the Visa logo.
Cash advances are not really worth it, considering how expensive they are. So try to avoid them and instead use your card to pay wherever you can. And if you ever find yourself in a situation where a cash advance is unavoidable, make sure to pay it back as soon as possible.
1
People Also Apply For
Wells Fargo Autograph℠ Card
Chase Sapphire Preferred® Card
First Tech Choice Rewards World Mastercard®
The Platinum Card® from American Express
Wells Fargo Autograph Journey℠ Card
Choice Privileges® Mastercard®
Choice Privileges® Select Mastercard®
Hilton Honors American Express Surpass® Card
Related Credit Card Categories
Fidelity® Credit Card is related to the following categories:
Compare Travel Credit CardsEMV Credit CardsPoints Credit CardsVISA Rewards Credit Cards
Fidelity® Credit Card Reviews
Share your insights and review for the Fidelity® Credit Card
5
NaN%
4
NaN%
3
NaN%
2
NaN%
1
NaN%
3.2
196 reviews
196 reviews
What's Your Rating?
Most Recent
JimHere57
@JimHere57
1 Star Rating
After 20 years with a Bank of America credit card and a $60K limit for that entire time, I decided to consolidate everything, including my banking, investment accounts, and credit cards with Fidelity. As for the credit card service, I would agree it is terrible. They capped me at $35K for my credit limit and said I needed 6 months of payment history before they would consider an increase. I have 42 years of pristine payment history with a credit score above 800. After 6 months with the Fidelity credit card, I requested an increase of my limit to $60K. They sent me a denial letter stating, "1) your account was recently opened, 2) maximum amount of unsecured credit already issued, and 3) we require 6 months of payment history on this account." Unbelievable! When I called and mentioned that if they don't match the $60K limit I had for 20 years with Bank of America I would cancel the card after obtaining one from another provider, they said, "we're happy to process your account closure if you would like." At no time during my several requests to increase my limit to what I am accustomed to did they ever disclose that they had maximum limitations (bait and switch). Don't waste your time with Fidelity.
Comment
jim train
@mainman2277
1 Star Rating
Doesn’t not help with disputes. They left me hanging on a $815 dispute! They didn’t give me a chance for a second response and closed the case without talking to me and are now telling me to hire a lawyer. Yet from the same company I am disputing they refunded me 200 of the same orders. I got played by trademark supreme.com for a trademark. They forged documents with my name on it. Than gave it to fidelityS I have emails, screenshots of website chat & text messages and even a recorded phone call to prove my side of the story & paid invoices but fidelity is taking the scammmers forged documents as the truth for part of the order….. yet refunds the other part. Now I have to hire a lawyer for a lawsuit to get my money back since fidelity can’t read or listen to real documents…. Guess I’ll call the consumer bureaus to report them on this one
Comment
epopovash
@epopovash
1 Star Rating
Elan is the only credit card provider that gave me a ridiculous credit limit of $500. No other institution ever gave me less than 5K credit limit. This credit limit is so useless that after contacting them and trying to increase credit limit and getting a refusal, I simply closed this card after having it for less than a month.
I have an impression that someone in Elan gets bonuses for number of opened account, and they seem to open as many accounts as possible without caring about actual usefulness of the given credit limit for the customer. Now I have a useless opened account record in my credit history that will reduce my chance of getting some other credit cards.
Elan's negative particularities among credit card providers didn't stop there. They are the only credit card service I dealt with that doesn't clearly mark the institution that withdrew money from your checking account whey you paid your credit card balance. Their withdrawal looked so generic that I started to suspect that it's an unauthorized charge and had to waste my time to investigate this charge.
On top of this, you have to wait until you accumulate $25 in cash back before you can redeem it. It's rare to see this kind of limitations today in Credit Card world. And if that wasn't enough, I was only allowed to deposit my cashback to Fidelity accounts and no external accounts.
It is literally the most poorly managed and the worst thought-through credit card I dealt with. I think that Fidelity is damaging its credibility by dealing with Elan. I was actually pretty shocked that Fidelity would put its brand of such a pathetic credit card service. Thinking that Fidelity would never deal with such a low quality company, I applied for Fidelity credit card without even researching reviews. I was too optimistic.
Comment
Matt Ra
@wallethub_com_7
1 Star Rating
Avoid due to terrible customer service from Elan regarding fraud. I had a fraudulently charge 1 day before they put a fraud lock on the card and issued a new one. Disputed charge and one month later they re-added the charge as the merchant just sent my address they easily stole from the site they hacked (no tracking number, receipt, link to the page on there non-existent website). Bare minimum and deficient effort from Elan on this investigation. After a week of calling to get this taken care of there is only one person on the whole earth in this company they claim can resolve it, some fraud analyst. That person called and left a message only once in the whole week when I was on another call, with zero ways to get back in touch directly with them. The supervisor #1110107 in the fraud department was unprofessionally rude and said you were called (voicemail once guess count) and just wait for another call back and nothing he could do. Customer service at this card processor cannot ever help you and puts the customer and the person who can at arms length making it impossible for a connection. Find another card with the same rewards and who ACTUALLY has Zero fraud liability. Fidelity should really investigate the customer service of this co-branded card. Done using the card and considering pulling all my retirement accounts to another Brokerage.
Comment
3
John Shmit
@Jshmit
I know I used to work for their customer service trust me we do not care and supervisors are just random agents as well not actual supervisors. If you call back you will just get a new supervisor. Also the supervisor number you provided is not their badge number its just a random number we create
Comment
jim train
@mainman2277
Yep having the same issue. They do not have your back on fraud at all!
Comment
patrice
@patrice
1 Star Rating
The worst customer service ever. Besides being aggressive, the two customer service agents did not help. My account is frozen. The refuse to help and claim that a supervisor has to call me to solve the problem. I called last Thusday. We are Wednesday today. No phone call received.
Comment
1
John Shmit
@Jshmit
I worked there for 3 years none of us cared about your issues. We put it in a pending file and if no one gets to it within 72 hours the call back is then dismissed. The supervisors are not supervisors they are random agents who don't care at all just like I was. No actual manager will take any calls you just get transferred we were trained to act like managers on the phone
Comment
Tom Moody
@trmody
1 Star Rating
Very bad customer service. The have flagged and rejected my charges. Not only that they then block my account even though I have replied to their text authenticating the charge. To add insult to injury, Fidelity blocked my card even after my authentication and did not inform me. I found out when i tried to charge the card at a retailer and had to come empty handed. I have been a loyal customer of Fidelity for more than 20 years with a six figure balance in my 401K accounts with them. Its time to fire Fidelity. They don't deserve my business.
Comment
1
John Shmit
@Jshmit
I worked there for 3 years and none of us cared about any customer's issues. Just a bunch of kids that work there out of high school we put you on hold and laugh at the situation. The company is majorly compromised you think your account information is safe but from it. They hire anyone without doing a background check so anyone can steal your information
Comment
williams_ron
@williams_ron
1 Star Rating
Could not log on to my account so called customer service. Waited and waited before getting an agent. When I did she was an idiot. Could not hear her; only faintly. Finally understood that I had a fraudulent $38 dollar charge. Rather than refusing it, she cancelled my card and said she was mailing me a new one in a few days. She would not call me back so that I could hear her. I am going to apply for a new card with another company so that I never have to deal with anyone from VISA again. I know I am wasting time as other complainers have already told me that Iam wasting my time.
Comment
1
daleguan
@daleguan
1 Star Rating
I have never missed a payment with all my other credit cards, but with this card for a year already missed payment twice, each time missed due day by two days. Why? they missed sending the monthly statement notification through email. The first time I thought maybe it was somehow my fault, and started watching. The second time I am sure there was no email notification. If you miss a payment they charge a hefty fee plus interests, effectively negated the 2% cash back. I will not be using this card anymore. Very disappointed as I have been a Fidelity brokerage customer.
Comment
OGHENEMARO KOSIN
@ogkosin
1 Star Rating
This card will HURT your credit. I paid off the card with a loan to reduce my usage and try to get into a property. Elan financial who issues the card reduced my credit limit bringing up my usage to 80% from 11%. This was the second time they have done this so I closed the account and paid it off immediately. If you want a stable credit score, this is NOT THE CARD FOR YOU.
Comment
Simon Garfunkel
@Stellaris
3 Star Rating
This is a great card but they lie to you about their zero APR promos and their customer support usually has no idea what they are talking about. There are other 2% back cards, I might consider those instead.
Comment
Review Fidelity® Credit Card
Fidelity® Credit Card
Credit Cards
>
Fidelity Investments
Important Disclosures
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Fidelity® Credit Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsem*nt of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
